Last Updated: 07/28/2025
Consumers Credit Union Visa Platinum Rewards
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.45% - 26.45%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.45% - 26.45%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Consumers Credit Union Visa Platinum Rewards Review
This is a rewards card issued by Consumers Credit Union. If you're wondering whether Consumers Credit Union Visa Platinum Rewards is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Consumers Credit Union Visa Platinum Rewards has a variable regular purchase APR that ranges from 15.45% up to 26.45%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Consumers Credit Union Visa Platinum Rewards charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 0.80% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Consumers Credit Union Visa Platinum Rewards
| The Good | The Bad |
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Consumers Credit Union Visa Platinum Rewards FAQ
Does Consumers Credit Union Visa Platinum Rewards have a cash back or rewards program?
Consumers Credit Union Visa Platinum Rewards is a rewards card.
| Description |
Does Consumers Credit Union Visa Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Consumers Credit Union Visa Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Consumers Credit Union Visa Platinum Rewards benefits?
Consumers Credit Union Visa Platinum Rewards provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Consumers Credit Union Visa Platinum Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Consumers Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 15.45% up to 26.45%. The card has a variable balance transfer APR that ranges from 15.45% up to 26.45%. It also has a variable cash advance APR that ranges from 15.45% up to 26.45%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Consumers Credit Union Visa Platinum Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.45% - 26.45% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 365 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Consumers Credit Union Visa Platinum Rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Consumers Credit Union Visa Platinum Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Consumers Credit Union Visa Platinum Rewards have a foreign transaction fee?
Consumers Credit Union Visa Platinum Rewards charges a foreign transaction fee of up to 0.80%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for Consumers Credit Union Visa Platinum Rewards?
The support contact email for Consumers Credit Union Visa Platinum Rewards is ccuinfo@myconsumers.org.
How do people rate the customer service and user experience of Consumers Credit Union Visa Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Consumers Credit Union Visa Platinum Rewards report your account activity to credit bureaus?
Yes, Consumers Credit Union Visa Platinum Rewards reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Consumers Credit Union perform a hard credit pull?
Yes, Consumers Credit Union Visa Platinum Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Consumers Credit Union Visa Platinum Rewards
- Visit the website of Consumers Credit Union Visa Platinum Rewards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Consumers Credit Union
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Purchase APR
15.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
15.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
600 - 699
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.45% - 24.45%
Disclaimer popup with additional information
Balance Transfer APR
13.45% - 24.45%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
15.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
15.74% - 26.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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